13. The sum of the applicant's age and the loan period shall not exceed 70.

Application conditions

1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;

2. The sum of the applicant's age and the loan period shall not exceed 70;

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

5. There is a valid guarantee recognized by the handling bank;

6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;

7. Other conditions stipulated by the handling bank.

Extended data:

Information to be submitted when applying for a loan

(1) Copy of ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visiting cards, home visiting cards and other residence documents).

(2) Proof of the borrower's repayment ability recognized by the loan bank.

(3) Legal and effective purchase (construction, overhaul) contracts, agreements and relevant approval documents.

(4) Relevant certificates of self-raised funds used by the borrower to purchase (build or overhaul) the house.

(5) House sales (pre-sale) license or the real estate license of the building (existing house) (copy).

(6) Other documents and materials required by the lending bank.

Customer loan process

(1) Loan consultation: Learn about the object, loan conditions, loan amount, term, interest rate, repayment method and loan procedures of individual housing loans through outlets, telephones or websites.

(2) Loan application: Submit the materials required by the bank to apply for individual housing loan.

(3) Signing a contract: After the customer's application is approved, sign a housing loan contract with the bank.

(4) Loan issuance: When conditions are met, the bank will issue loans according to the contract.

(5) Customer repayment: The customer repays the loan on time as agreed in the contract.

(6) Post-loan service: customers enjoy new products and value-added services provided by banks.

How long can a mortgage last?

Question 1: How old can men get commercial housing loans and China Merchants Bank apply for personal loans? Age plus loan period shall not exceed 70. If two or more applicants apply for a loan, the loan term can be reasonably determined according to the actual situation, but not all borrowers are over 70 years old with loan years. Unless otherwise stipulated by the local regulatory authorities, the relevant regulations of the local regulatory authorities shall prevail.

Question 2: How old can the current commercial loan be extended depending on the age of the lender? Men are 65 years old and women are 60 years old. Many public banks will be stricter. Men are up to 60 years old and women are up to 55 years old. If you want long-term loans, you can choose private banks. For example, if someone buys a house at the age of 40, depending on the age of the lender, the business loan can be extended for up to 65-40=25 years, with the most men. Many public banks will be strict, with men at the age of 60 and women at the age of 55, so if they want to borrow long, they will choose private banks. For example, if someone buys a house at the age of 40, the maximum commercial loan can be 65-40=25 years.

Question 3: What is the maximum mortgage loan period? Normally, you are 65 years old, but if you are good in all aspects (such as work, assets and credit), you can apply for a loan until you are 70 years old.

Question 4: My father is 58 years old. How many years can he get a loan at the age of 58 before he can go to mortgage to buy a house? He can mortgage the bank for up to seven years.

Individual housing loan application conditions:

1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;

2. The sum of the applicant's age and the loan period shall not exceed 70;

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

5. There is a valid guarantee recognized by the handling bank;

6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;

7. Other conditions stipulated by the handling bank.

Question 5: How many years can I borrow the current 55-year mortgage? The longest is 10 year.

At present, the policy of mortgage loan cannot exceed 30 years at the longest, but the combined age of the house and the loan period cannot exceed 30 years, that is, if you are a 96-year-old house, you can only borrow for 20 years at the longest, and the combined age of the house and the lender cannot exceed 65 for men and 60 for women.

Question 6: How big can the provident fund and commercial loans be borrowed? The loan period is an integer year, generally 5 years, 10 years, 15 years, 20 years and 30 years, depending on your repayment ability. If it is a provident fund loan, the second new house with a house age of 5 years can be loaned for up to 30 years, and if it is a house beyond 5 years, the longest loan can be made 15 years: male to 70 years old, female. It is suggested that if the repayment ability is strong, the service life should be shortened as much as possible. After all, there are fewer opportunities to continue working after 60.

Question 7: How many years can commercial loans last? It depends on the purpose of your loan. If it is a mortgage, the longest term is 30 years. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank. Information such as the execution interest rate, amount, loan term and repayment method of your specific loan application need to be determined after the handling bank specifically examines your comprehensive information after you apply for a loan.

Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.

Question 8: What is the maximum loan for18 years old? What about experienced friends? 10 If it is a loan from China Merchants Bank, it depends on the purpose of your loan and your own credit certificate.

Question 9: I am 45 years old. I want to know how many years and how many loans can I borrow from commercial loans? Hello, in which city are you going to apply for our loan? Do I need to apply for a primary property loan or a secondary property loan?

Under normal circumstances, the age plus the loan period shall not exceed 70 years old. If two or more applicants apply for a loan, the loan term can be reasonably determined according to the actual situation, but at least 1 the borrower is not over 70 years old.

The maximum loan/credit line shall not exceed 70% of the mortgaged value of the purchased property, and shall comply with the relevant regulations of the regulatory authorities and banks. If the policies of the regulatory authorities are adjusted, it shall be implemented according to the relevant regulations of the Bank and the regulatory authorities. For specific information about the corresponding amount of the loan, you can also confirm it in detail through the counter personal loan department when applying through the counter personal loan department.

(If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support! )

Question 10: How many years can a housing loan be generally used? Generally speaking, if the bank thinks that it can lend you a loan, it will subtract your actual age according to your retirement age, and the remaining figure is the number of years you can borrow, which is not more than 30 years in principle. The reduction is through balloon loans, which should increase the loan term. In general banks, men retire at the age of 60 and women retire at the age of 55. Every bank has specific regulations, which is not bad.

I hope this helps.

My father is 58 years old. How many years of mortgage can I borrow at most?

China Merchants Bank provides "primary" and "secondary" housing loans. First-hand building: the longest loan/credit period shall not exceed 30 years. After you need to submit relevant information, the handling bank will comprehensively apply for confirmation. Please contact the personal loan department of the local China Merchants Bank for consultation.

Second-hand building: the longest loan/credit period is not more than 30 years, the age of the purchased property (referring to the completion period of the property) is generally not more than 20 years, and the longest loan period+the age of the mortgaged property is not more than 40 years in principle. The specific time limit you can apply for requires you to submit relevant information, which will be determined by the handling bank after comprehensive examination and approval.